I agree, although Ripple (XRP) is fast and has low transaction fees, it is very unlikely to become the future of payments. Banks and governments will not let a currency they have no control over become the future of payments.
Banks and governments have already prepared what we have called that as CBDC and it has become the main option to follow the trend that is still happening in the cryptocurrency.
In fact that so many people were also seeing this as a big threat for the crypto that oriented to be the next payment channel system.
I should remind everyone about this as ripple is not the fastest one.
Ripple has a lot of clients didn't mean if ripple will actually become the main choice for the future payment channel. So many new platforms have come with better features than it.